The mobile money system that runs East Africa - anyone with a SIM card can receive payments, and small businesses charge through till numbers.
M-Pesa is a mobile money where anyone can register to start earning. Fees are Free deposits, tiered P2P and agent withdrawal fees and you can withdraw via Cash agents and Bank transfer. Founded in 2007, M-Pesa is based in Nairobi, Kenya. It is available in Kenya + 7 African markets.
Last updated
What people actually earn on M-Pesa
We haven't found a verified figure for what people earn on M-Pesa yet. We add one here when M-Pesa or an independent study publishes numbers. See what people earn on other platforms →
Can I join M-Pesa?
Kenyan mobile money, links to PayPal so you can withdraw PayPal earnings to M-PESA, and receives money from abroad via partner remitters.
Official requirements ↗ · Check which platforms you can join →
How M-Pesa compares
- M-Pesa takes no commission from what you earn — 29 of the 53 payment receiving platforms we track are free to earn on.
- M-Pesa is one of just 4 payment receiving platforms we track (of 51) that pay out via Cash agents.
- Founded in 2007, M-Pesa has been running for about 19 years — longer than 42 of the 53 payment receiving platforms we track with a known launch year.
Compared with the payment receiving platforms in our directory. See them all →
Is M-Pesa legit?
M-Pesa is a real, operating platform. What we could verify:
- Operating since 2007 (19 years)
- Headquartered in Nairobi, Kenya
- Has a Wikipedia article
Listing last updated September 2026 · how we verify platforms · Missing or out of date? Tell us
Guides
No step-by-step guide for M-Pesa yet. Browse all guides or find the right way to earn for you.
Frequently asked questions
How much does M-Pesa charge?
M-Pesa fees: Free deposits, tiered P2P and agent withdrawal fees. It takes no commission, so apart from payment-processing or withdrawal costs you keep what you earn.
How do you get paid on M-Pesa?
M-Pesa pays out via Cash agents and Bank transfer.
Which countries is M-Pesa available in?
Kenya + 7 African markets. Its main focus is Kenya and Tanzania.
Is M-Pesa legit?
Yes, M-Pesa is a real, operating platform: operating since 2007 (19 years), headquartered in Nairobi, Kenya and has a Wikipedia article. As with any platform, check its current terms before relying on it for income.
What are the best M-Pesa alternatives?
Similar platforms include Payoneer, Mercado Pago, PayPal and Easypaisa. Compare their fees and payouts in the alternatives section below.
Compare M-Pesa with…
M-Pesa alternatives
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